Kemper Writes Georgia SR-22 But Not All DUI Filers Get Competitive Rates
You need SR-22 insurance after a Georgia DUI conviction and Kemper's name came up in your search. Kemper does write SR-22 policies in Georgia, but the carrier operates in the non-standard auto tier — meaning the underlying policy premium reflects higher-risk pricing even when your driving record improves during the three-year filing period. The $200 Georgia DDS reinstatement fee is fixed regardless of carrier; the variable cost is the monthly premium you'll pay for 36 months.
This article clarifies what Kemper SR-22 filing costs in Georgia, how Kemper's non-standard tier pricing compares to standard-tier carriers writing SR-22 (Progressive, Geico, State Farm), and when Kemper makes sense versus when you're leaving money on the table. The filing itself is a one-time administrative step. The policy premium is where you save or overpay for three years.
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Get Your Free QuoteGeorgia SR-22 Filing Period After DUI
3 years
Georgia requires continuous SR-22 filing for three years following DUI conviction, measured from the date DDS receives the SR-22 certificate. Any lapse in coverage during this period triggers automatic license re-suspension and restarts the three-year clock.
Georgia Department of Driver Services SR-22 program rules
SR-22 Filing Fee Versus Monthly Premium Cost
Kemper charges a small one-time SR-22 filing fee set by the carrier, typically under $50, to submit the SR-22 certificate to Georgia DDS on your behalf. This is a one-time administrative charge. The $200 Georgia reinstatement fee you pay to DDS is separate and required regardless of which carrier you choose.
The real cost difference between Kemper and competing carriers is the monthly premium. Kemper operates as a non-standard auto insurer, meaning its underwriting targets drivers with violations, suspensions, and DUI convictions — the same pool you're in. Non-standard tier premiums are higher than standard-tier premiums because the carrier is pooling higher-risk drivers. If your DUI is your only violation and you maintain clean driving through your filing period, you may qualify for standard-tier pricing with Progressive, Geico, or State Farm after 12–18 months. Kemper does not move you to a lower tier mid-policy; you stay non-standard for the policy term.
Georgia minimum liability limits are $25,000 per person bodily injury, $50,000 per accident bodily injury, and $25,000 property damage. These are the legal minimums for SR-22 filing. Kemper writes policies at these limits, but your monthly cost reflects non-standard tier underwriting. A DUI filer with otherwise clean history often pays less at a standard-tier carrier writing SR-22 than at a non-standard carrier, even when both meet the same state minimum.
Kemper keeps you in non-standard tier pricing for the full policy term — even if your record stays clean. Standard-tier carriers may re-rate you lower after 12–18 months of claim-free driving.
Which Carriers Write Georgia SR-22 at Standard Tier
Progressive writes SR-22 in Georgia at standard tier and offers online quoting. Progressive's underwriting treats a single DUI as a surcharge on an otherwise standard policy, not an automatic move to non-standard tier. If your DUI is your only violation in the past three years, Progressive typically quotes lower than Kemper. Progressive also writes non-owner SR-22 policies for drivers who do not currently own a vehicle but need to maintain SR-22 filing to satisfy DDS reinstatement requirements.
Geico and State Farm also write Georgia SR-22 at standard tier. Geico offers online quoting and writes non-owner policies. State Farm quotes online but typically requires an agent conversation for SR-22 filing setup. Both carriers surcharge DUI convictions but keep the policy in standard tier for first-offense filers. If you own a vehicle and carry collision or comprehensive coverage, standard-tier carriers give you access to those coverages at standard rates; non-standard carriers like Kemper charge higher premiums across all coverage types, not just liability.
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When Kemper Makes Sense and When It Doesn't
Kemper is a viable option for Georgia DUI filers who cannot get approved at standard-tier carriers. If your DUI is accompanied by multiple at-fault accidents, prior suspensions, or a pattern of violations, Progressive and Geico may decline to quote or price you out of their standard tier. Kemper's business model is built around insuring drivers other carriers reject, so approval is more likely even with a complex violation history.
Kemper also writes policies without requiring a down payment equivalent to multiple months of premium. Some standard-tier carriers require 20–30% down on SR-22 policies; Kemper's payment structure is often more flexible. If cash flow is tight immediately post-suspension, Kemper may be accessible when other carriers are not. That said, flexible payment terms do not offset higher monthly premiums over three years — you pay more total cost even if the upfront barrier is lower.
If your DUI is an isolated first offense with no other violations in the past five years, and you can secure approval from Progressive, Geico, or State Farm, you will almost certainly pay less over the three-year SR-22 period at a standard-tier carrier than at Kemper. The non-standard tier premium difference compounds over 36 months. A $40 per month difference — not uncommon between non-standard and standard tier for the same coverage — totals $1,440 over three years. Kemper's filing fee savings (if any) do not make up that gap.
Georgia DDS Reinstatement Fee
$200
Georgia charges a $200 reinstatement fee to restore driving privileges after DUI suspension. This fee is separate from SR-22 filing costs and insurance premiums. Payment is made directly to Georgia DDS, not to your insurance carrier.
Georgia Department of Driver Services reinstatement fee schedule
Non-Owner SR-22 Option Through Kemper
If you do not currently own a vehicle but need to maintain SR-22 filing to satisfy Georgia DDS reinstatement requirements, Kemper does not explicitly advertise non-owner SR-22 policies on its website. Progressive, Geico, Dairyland, and The General all write non-owner SR-22 in Georgia and quote online. Non-owner policies provide liability coverage when you drive a vehicle you do not own — a borrowed car, a rental, or a vehicle owned by a household member you do not share a policy with — and satisfy the SR-22 filing requirement without requiring you to insure a specific vehicle.
Non-owner SR-22 premiums are typically lower than standard auto policies because there is no vehicle to insure for collision or comprehensive risk. If you are not currently driving and simply need to maintain SR-22 filing to keep your license valid or to satisfy a reinstatement condition, a non-owner policy is often the most cost-effective path. Kemper may write non-owner policies through specific agents, but you will need to call rather than quote online. Progressive and Geico both offer online non-owner SR-22 quotes, making comparison straightforward.
Compare Kemper Against Standard-Tier SR-22 Carriers Now
Georgia DUI filers with isolated first offenses should quote Kemper alongside Progressive, Geico, and State Farm before committing. Request quotes at Georgia minimum liability limits ($25,000/$50,000/$25,000) and compare the monthly premium, not just the filing fee. If you own a vehicle, request full coverage quotes as well — the non-standard tier premium difference widens when collision and comprehensive are added.
If standard-tier carriers decline to quote or price you significantly higher than Kemper, Kemper becomes the practical choice. But if Progressive or Geico approve you at standard tier, the three-year total cost will almost always favor the standard-tier carrier. Compare now rather than defaulting to the first carrier that quotes. The SR-22 filing itself is carrier-neutral — Georgia DDS accepts SR-22 certificates from any licensed carrier. Your job is to find the lowest-cost policy that meets the filing requirement and keeps you legal for 36 months.